Paycom is frustrating the hell out of me.

[frustrated]

Originally Posted by rand

Serge... you are one of a kind. Thanks for the damage control.. but I'll take if from here. (BTW - I can't beleive we don't have each other on ICQ. Email me!)

Frustrated - I don't know what purpose you have for posting under a fake nic. If you have a legitimate complaint you can speak to me publicly or privately without fear of any repercussion. In fact, I insist on hearing about problems immediately.

As for your complaint that a negative ACH balance is affecting your payouts... without knowing who you are I cannot research your claim and must draw only from the information that you have graciously shared on this thread.

However, if everything you say is correct, let me point out that you have one account with Paycom. That account pays you proceeds from your sales regardless of where those sales come from (MasterCard, Visa, Discover, JCB, ePassporte, Switch, Solo, ACH). A negative balance on your gross sales means you don't get paid. I mean what is Paycom supposed to do? The scenario you seem to hope for would mean Paycom would just absorb your negative ACH funds and continue to pay you otherwise? I'm sorry, it doesn't work like that.

I invite you to contact me directly if there is anything I can do to help. You don't have to worry. I don't bite (hard). If you have a legitimate problem, I will find a way to get it resolved. That's a promise. If you simply don't understand something, I am more than happy to find the answers you need.

You can contact me directly at Rand @ Paycom (dot) net. Put "Paycom / Oprano" in the subject line and I will get back to you asap. Oh, and please identify your account so I can look into your situation.

Rand,
How does a negative balance occur exactly? Let's say I have $1000 in NSF ACH transactions. In the same period, I have $100 in credit card transactions. That is what it appears you're calling a 'negative' balance. But where do those credit card funds go? And why don't I recieve them when I should? Are you saying they just disappear? Should I pull the plug on ACH processing with you guys, and process ACH with WTS in order to get those credit card funds right away? I mean, that doesn't sound very logical but it would appear to be the solution to this situation.

Please clarify. The 'negative' funds explanation isn't making much sense.

Frustrated, I am sure Rand is assuming you were paid for those sales at some point of time... Meaining 3-4 pay periods ago you got $25 X 4 sales (or whatever) in check signups... they then paid you on them.

a month later (or however long) they come back NSF,etc... Of course they are going to take the $100 they gave you back ... This is the only way I can see what you are saying is happening .. So basically you are missing oput on the fact they already paid you for these signups in the past...

[rand]

The "unregistered guest" is correct.

You cannot simply divide up the method of payments. Paycom is not going to absorb bad ACH transactions that we've previously paid you for. That doesn't make good business sense.

Paycom is an IPSP (Internet Payment Service Provider) and if your ACH balance is negative and your CC sales are positive, your negative ACH balance will be subtracted from your payout total to cover the cost of funds already paid out to you.

I don't see how you could expect anything different.

[frustrated]

Originally Posted by rand

The "unregistered guest" is correct.

I don't see how you could expect anything different.

And I wouldn't expect anything different. But that hasn't been the way this appears to be happening. When I go weeks and weeks, and weeks, without seeing a check in the mail (with a handful of active recurring members) this gives me some real cause for concern. My sales have been there. The checks haven't. The negative ACH explanation is sounding more and more like an excuse than anything legitimate. That's gone on for a real long time now. And when I don't recieve checks that Accounting says have been mailed, that doesn't make me feel too good either. Kinda makes me think something's going on behind the scenes that I'm not being told about.

[rand]

Originally Posted by frustrated

And I wouldn't expect anything different. But that hasn't been the way this appears to be happening. When I go weeks and weeks, and weeks, without seeing a check in the mail (with a handful of active recurring members) this gives me some real cause for concern. My sales have been there. The checks haven't. The negative ACH explanation is sounding more and more like an excuse than anything legitimate. That's gone on for a real long time now. And when I don't recieve checks that Accounting says have been mailed, that doesn't make me feel too good either. Kinda makes me think something's going on behind the scenes that I'm not being told about.

I can assure you with 100% certainty that nothing is going on behind the scenes to keep you from getting your payments (unless law enforcement is involved, which... since I don't know who you are I can't check into that). Paycom has a reputation to uphold and thousands of sites which depend on us to do our job. We would not be engaged in anything fishy at any level, much less over a few ACH transactions. Trust me.

However, until you tell me who you are and what account is yours, I don't see how we can discuss this any further. I can't answer questions about your account when I don't know who you are. I've told you all that I can from an outside point of view.

[ThrobX]

Feel free to call me stupid, but I have no idea why "frustrated" would have a problem here. Bad checks don't just pay for themselves, the money has to come from somewhere. I'd think it's one thing if the check bounces immediately, during a pay period, so the webmaster portion never gets paid out in the first place. But if Paycom's paid a split on a check, then the check bounces later, well, that money's gotta be paid back somewhere somehow. Seems like extremely simple math to me.

If there's a billing provider that's willing to go out of pocket on bad charges for me, oh, PLEASE spam me. LOL

[frustrated]

Listen Rand, consider this: (1) I think I may be able to remember LONG ago when once my ACH funds out-weighed my CC funds, maybe. (2) Now, let me humor you and say that maybe your right Rand. You're right in saying that 100% of my ACH transactions turn up NSF (damn thats a stretch, but i'll give it to you). (3) If that RARE possiblilty is realized then take your idea of combined ACH and CC sales and chew on this: As long as my CC funds outweigh my ACH funds month after month after month, there should be no reason why I would ever end up with anything less than a positive balance. I'm sure you agree that Paycom should honor a positive balance with a paycheck right?? Well, I'll repeat myself....It's been weeks Rand, I don't have a paycheck.

[rand]

Originally Posted by frustrated

As long as my CC funds outweigh my ACH funds month after month after month, there should be no reason why I would ever end up with anything less than a positive balance. I'm sure you agree that Paycom should honor a positive balance with a paycheck right?? Well, I'll repeat myself....It's been weeks Rand, I don't have a paycheck.

This is turning away from an ACH vs CC payouts issue to one of missing payments. Assuming that your CC sales outweigh your bad ACH sales, and, that you have a balance of at least $50 owed to you (the minimum payout required to generate a payment), then yes... you should get a check.

If all of the above is true, then yes.. something is wrong if you have not received a check. You are able to log in to Epoch reports and see what money is owed to you. I invite you to do that. If you cannot determine why you may be having a problem, next verify your mailing address with accounting and let's make sure our records are accurate. If you've received payments from us before and haven't moved then you should be okay there. Lastly, if thiese steps don't solve the mystery, send me your company code and I will find out what's going on. If Paycom owes you money, you will get it. If you owe us money, we will pay you once you have a positive balance exceeding $50. Fair enough?

[frustrated]

Originally Posted by Unregistered

Frustrated, I am sure Rand is assuming you were paid for those sales at some point of time... Meaining 3-4 pay periods ago you got $25 X 4 sales (or whatever) in check signups... they then paid you on them.

a month later (or however long) they come back NSF,etc... Of course they are going to take the $100 they gave you back ... This is the only way I can see what you are saying is happening .. So basically you are missing oput on the fact they already paid you for these signups in the past...

Well that's an interesting theory. I'm curious to hear Rand confirm if this is indeed the case. It seems what is happening is that they aren't paying on bad ACH joins, but merely negating the bad ones within the same pay period as the credit card transactions. In essence subtracting the ACH's from the CC's.

And that's what doesn't make sense to me. ACH's should only negate themselves, not all my other transactions.

[rand]

Originally Posted by frustrated

And that's what doesn't make sense to me. ACH's should only negate themselves, not all my other transactions.

Nope. Doesn't work that way.

Who's to say you'll have future ACH sales? Who's to say they won't be bad as well?


You get a payout from Epoch that includes all ACH and CC sales. We don't send you a separate payment for each payment method. Why would you expect us to absorb your bad sales in hopes that you might sometime in the future have good ones to make up for them? Money is money. The derivation of those funds doesn't matter. Yes, if you send your ACH transactions somewhere else you won't run into this, but if WTS has seen this thread they may not want your business based on your history. (Oh, but you're anonymous here, they won't know).